The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,349
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,516
−HK$169/mo
Today · 4.125%
HK$5,685
baseline
▲ 0.50% · 4.625%
HK$6,031
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,370/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,951
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,111
−HK$161/mo
Today · 4.125%
HK$6,272
baseline
▲ 0.50% · 4.625%
HK$6,603
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,544/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,419
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,619
−HK$203/mo
Today · 4.125%
HK$6,822
baseline
▲ 0.50% · 4.625%
HK$7,237
+HK$415/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$13,644/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,141
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,333
−HK$194/mo
Today · 4.125%
HK$7,527
baseline
▲ 0.50% · 4.625%
HK$7,924
+HK$397/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$15,054/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,489
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$237/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,443
+HK$484/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$15,918/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,331
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$226/mo
Today · 4.125%
HK$8,781
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$463/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$17,562/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,629
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$304/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,855
+HK$623/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,464/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,712
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,999
−HK$291/mo
Today · 4.125%
HK$11,290
baseline
▲ 0.50% · 4.625%
HK$11,886
+HK$596/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,580/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).